| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 25 de junio de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.623130 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 25/6/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 25/6/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 25/6/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 249,556.8 | 251,594.0 | 2,037.2 | 0.8 | -47,580.3 | -41,375.9 | 6,204.4 | -13.0 | 201,976.5 | 210,218.2 | 8,241.7 | 4.1 |
| 1. Activo externo 1/ | 249,556.8 | 251,594.0 | 2,037.2 | 0.8 | 8,221.3 | 11,131.4 | 2,910.1 | 35.4 | 257,778.1 | 262,725.4 | 4,947.3 | 1.9 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -52,507.2 | 3,294.4 | -5.9 | -55,801.6 | -52,507.2 | 3,294.4 | -5.9 |
| II. ACTIVOS INTERNOS NETOS | -65,876.3 | -73,650.3 | -7,774.0 | 11.8 | 482,439.5 | 500,589.6 | 18,150.1 | 3.8 | 333,883.2 | 349,957.9 | 16,074.7 | 4.8 |
| 1. Actividad crediticia | -15,061.6 | -10,877.1 | 4,184.5 | -27.8 | 442,571.7 | 459,370.4 | 16,798.7 | 3.8 | 427,510.1 | 448,493.2 | 20,983.1 | 4.9 |
| 1.1 Al Sector público neto | -17,119.7 | -12,935.2 | 4,184.5 | -24.4 | 34,243.3 | 37,012.2 | 2,768.9 | 8.1 | 17,123.7 | 24,077.0 | 6,953.3 | 40.6 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 423,139.0 | 14,051.9 | 3.4 | 409,087.1 | 423,139.0 | 14,051.9 | 3.4 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 312,713.3 | 10,268.0 | 3.4 | 302,445.3 | 312,713.3 | 10,268.0 | 3.4 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 110,425.7 | 3,783.9 | 3.5 | 106,641.8 | 110,425.7 | 3,783.9 | 3.5 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,292.4 | 1,270.4 | -22.0 | -1.7 | 1,299.3 | 1,277.3 | -22.0 | -1.7 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 810.7 | 810.7 | 0.0 | 0.0 | 817.7 | 817.7 | 0.0 | 0.0 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 459.6 | -22.0 | -4.6 | 481.6 | 459.6 | -22.0 | -4.6 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 69,956.0 | 66,491.3 | -3,464.7 | -5.0 | -30.8 | -13.6 | 17.2 | -55.8 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 12,684.0 | 10,466.8 | -2,217.2 | -17.5 | -9.2 | -9.6 | -0.4 | 4.3 |
| 4. Otros Activos Netos | 12,400.5 | 10,335.9 | -2,064.6 | -16.6 | -68,565.6 | -68,995.9 | -430.3 | 0.6 | -56,165.1 | -58,659.9 | -2,494.8 | 4.4 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -4,193.5 | -13.4 | 0.3 | -4,180.1 | -4,193.5 | -13.4 | 0.3 |
| 6. Bonos de estabilización | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 7. Operaciones compra venta de valores en M/N | -63,215.2 | -73,109.1 | -9,893.9 | 15.7 | 29,973.4 | 37,450.5 | 7,477.1 | 24.9 | -33,241.8 | -35,658.6 | -2,416.8 | 7.3 |
| 7.1 Con entidades públicas | -27,260.4 | -30,848.9 | -3,588.5 | 13.2 | 0.0 | 0.0 | 0.0 | 0.0 | -27,260.4 | -30,848.9 | -3,588.5 | 13.2 |
| 7.2 Otros inversionistas | -35,954.8 | -42,260.2 | -6,305.4 | 17.5 | 29,973.4 | 37,450.5 | 7,477.1 | 24.9 | -5,981.4 | -4,809.7 | 1,171.7 | -19.6 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| III. OBLIGACIONES MONETARIAS | 183,680.5 | 177,943.7 | -5,736.8 | -3.1 | 434,859.2 | 459,213.7 | 24,354.5 | 5.6 | 535,859.7 | 560,176.1 | 24,316.4 | 4.5 |
| IV. DINERO PRIMARIO | 170,987.3 | 167,467.3 | -3,520.0 | -2.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 100,962.4 | -38.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 69,986.8 | 66,504.9 | -3,481.9 | -5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 67,494.7 | 63,935.2 | -3,559.5 | -5.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,461.3 | 2,556.1 | 94.8 | 3.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 30.7 | 13.6 | -17.1 | -55.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 12,693.2 | 10,476.4 | -2,216.8 | -17.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 12,235.9 | 10,012.8 | -2,223.1 | -18.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 448.1 | 454.0 | 5.9 | 1.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 9.2 | 9.7 | 0.5 | 5.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 101,000.5 | 100,962.4 | -38.1 | 0.0 | 115,387.0 | 120,172.6 | 4,785.6 | 4.1 | 216,387.4 | 221,134.9 | 4,747.5 | 2.2 |
| 1. Numerario en circulación | 101,000.5 | 100,962.4 | -38.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 100,962.4 | -38.1 | 0.0 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 120,172.6 | 4,785.6 | 4.1 | 115,387.0 | 120,172.6 | 4,785.6 | 4.1 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 251,448.2 | 13,180.3 | 5.5 | 238,267.9 | 251,448.2 | 13,180.3 | 5.5 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 100,962.4 | -38.1 | 0.0 | 353,654.9 | 371,620.8 | 17,965.9 | 5.1 | 454,655.4 | 472,583.1 | 17,927.7 | 3.9 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 31,411.1 | 1,228.6 | 4.1 | 30,182.5 | 31,411.1 | 1,228.6 | 4.1 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 56,181.9 | 5,160.1 | 10.1 | 51,021.8 | 56,181.9 | 5,160.1 | 10.1 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 87,592.9 | 6,388.6 | 7.9 | 81,204.3 | 87,592.9 | 6,388.6 | 7.9 |
| XII. MEDIOS DE PAGO TOTALES | 101,000.5 | 100,962.4 | -38.1 | 0.0 | 434,859.2 | 459,213.7 | 24,354.5 | 5.6 | 535,859.7 | 560,176.1 | 24,316.4 | 4.5 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 707.9 | 91.9 | 14.9 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 1,501.0 | 328.3 | 28.0 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 11,940.3 | 4,555.0 | 61.7 | -.- | -.- | -.- | -.- |